Beeline Holdings, Inc. (BLNE) vs Onity Group Inc. (ONIT)

Beeline Holdings, Inc. and Onity Group Inc. are both Mortgage Finance companies. Onity Group Inc. is the larger, with a market value of $259.1M against $33.5M — 7.7× the size. Beeline Holdings, Inc. trades at the lower P/E: 0.4× against 1.8×. Beeline Holdings, Inc. grew revenue faster over the last twelve months: 142.3% against 16.3%. Onity Group Inc. has the higher net margin (12.0% vs −227.8%) and the higher return on invested capital (3.23% vs −26.2%). Across the 18 metrics below, Onity Group Inc. leads on 10 and Beeline Holdings, Inc. on 8.

Valuation

Metric BLNE ONIT Mortgage Finance median
P/E 0.41 1.80 7.11
P/S 2.75 0.23 1.54
P/B 0.55 0.43 0.53
Price to free cash flow n/m n/m 6.59
EV/EBITDA n/m 16.47 22.03
EV/Sales 3.14 5.95 5.95
Earnings yield 244.81% 55.54% 2.09%
Free cash flow yield (62.97%) (983.61%) (16.97%)

Profitability

Metric BLNE ONIT Mortgage Finance median
Gross margin 100.00% 100.00% 84.40%
Operating margin (202.06%) 32.33% 12.51%
Net margin (227.79%) 11.98% (0.83%)
Free cash flow margin (173.13%) (222.65%) (45.06%)
Return on equity (43.69%) 25.19% (1.16%)
Return on assets (35.23%) 0.95% 0.38%
Return on invested capital (26.21%) 3.23% 0.36%

Growth

Metric BLNE ONIT Mortgage Finance median
Revenue growth (TTM) 142.33% 16.27% 11.44%
EPS growth (last fiscal year) 95.22% 419.61% —
Revenue growth, 5-year CAGR (11.12%) 2.11% (11.16%)
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric BLNE ONIT Mortgage Finance median
Debt to equity 0.00 11.41 1.22
Current ratio 1.07 16.60 1.38
Net debt to EBITDA 0.22 26.42 9.85

Dividend

Metric BLNE ONIT Mortgage Finance median
Dividend yield — — 5.81%
Payout ratio 0.00 0.00 0.00

Size

Metric BLNE ONIT Mortgage Finance median
Market cap 33.45m 259.07m 214.95m

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